Transactional
Vehicle purchases, home purchases, business lending, and other transactions may surface a personal or business insurance question. Not every transaction creates an insurance need.
Financial Institution Partners
Extend the relationship beyond the account.
Benefits Beyond Work™ gives banks and credit unions a personal-insurance resource for the moments when financial transactions, life changes, and coverage needs intersect.
Where the relationship can help
Three broad opportunities to connect people with support.
Banks and credit unions do not need to identify a particular insurance solution. They can recognize that a customer or member may benefit from a separate conversation and provide a connection.
Life-Stage
Retirement, Medicare eligibility, changing jobs, household changes, and other Life Changes may create personal-insurance or benefits questions.
Education
Medicare and retirement-related education may be useful for appropriate customer or member populations before individual decisions arise.
Relationship model
Personal support that complements the institution.
The financial institution remains the trusted source for its own products and services. Benefits Beyond Work handles the separate personal-insurance conversation with the people and households the institution serves.
Recognize
A transaction or Life Change suggests that an insurance or benefits question may exist.
Connect
The bank or credit union offers access to Benefits Beyond Work without diagnosing the need.
Guide
We help the customer, member, or household consider relevant personal-insurance next steps.
Customer & member insurance
A separate resource across the complete personal-insurance picture.
Customers and members may need help with life insurance, disability insurance, long-term care, supplemental insurance, beneficiary preparedness, or another personal-insurance need. The conversation may span one or several of the six established areas.
Healthcare
Explore healthcare needs only when relevant to the person or household.
Protection
Explore protection needs only when relevant to the person or household.
Retirement
Explore retirement needs only when relevant to the person or household.
Property & Lifestyle
Explore property & lifestyle needs only when relevant to the person or household.
Legacy
Explore legacy needs only when relevant to the person or household.
Medicare
Explore medicare needs only when relevant to the person or household.
Business & lending relationships
Insurance needs can surface within a business relationship.
Where appropriately licensed and where suitable carrier and product capabilities are available, Benefits Beyond Work may support or help coordinate an insurance conversation without taking on the institution's lending, legal, tax, accounting, or investment role.
Key-person life insurance
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Life-insurance funding for appropriate buy-sell or business-succession arrangements
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Business-owner life insurance and disability protection
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Business-continuity insurance needs
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Life insurance collateral assignment where required and appropriate
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Insurance needs identified through business lending relationships
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Commercial property and liability opportunities where available
Availability and suitability depend on the business, purpose, carrier, product, licensing, and applicable requirements.
Insurance does not guarantee repayment or eliminate lending risk. Life insurance is not required for every business loan, and collateral assignment is not appropriate for every borrower.
Institutional needs
Additional needs can be evaluated without presuming a product.
A financial institution may encounter its own executive, business-protection, or institutional insurance questions. We can evaluate whether there is an appropriate role for Benefits Beyond Work without representing that a specialized institutional arrangement is available before carrier, product, licensing, distribution, and suitability requirements are confirmed.
Role clarity
Extend the relationship, not the institution's scope.
Benefits Beyond Work does not replace the bank or credit union relationship and does not provide legal, tax, lending, investment, or financial-planning advice. The institution is not asked to identify a specific insurance solution or provide insurance advice outside its licenses or role.